RBKB
Bullish signalScored 2026-07-29 Drivers: fundamentals. Moteurs : fondamentaux.
Research, not advice.
À propos
Rhinebeck Bancorp, Inc.
- Nom
- Rhinebeck Bancorp, Inc.
- Secteur
- Financial Services
- Industrie
- Banks - Regional
- Bourse
- NASDAQ
- Capitalisation
- $202.2M
- Employés
- 158
- PDG
- Matthew J. Smith
- Site web
- https://www.rhinebeckbank.com
- Marché
- AFBIFGBILSBKMGYRPROVRVSB
Rhinebeck Bancorp, Inc. functions as the holding company for Rhinebeck Bank, which is dedicated to providing a full spectrum of banking and financial services. These offerings cater to both individual consumers and business clients throughout New York's Hudson Valley region. The company's financial products include various deposit accounts, automobile financing, and a wide range of real estate loans. This extensive lending portfolio covers commercial real estate, encompassing multi-family properties, construction, and land development, in addition to business loans and mortgages for one-to four-family residential dwellings. Furthermore, Rhinebeck Bancorp, Inc. extends brokerage and financial advisory services, along with life insurance and investment products, to its diverse clientele. As of December 31, 2021, the company operated through 15 branches and 2 representative offices situated across Dutchess, Ulster, Orange, and Albany counties. It also maintains an ATM in Tivoli, New York. Established in 1860, the company's primary corporate base is located in Poughkeepsie, New York. Rhinebeck Bancorp, Inc. operates under the umbrella of its parent company, Rhinebeck Bancorp, MHC.
Price (1 year)
Live chart from TradingView — independent market data, as price context around the filings, not the Quorum score. EMA 50/200 and Bollinger load by default. When the exchange is known it is sent as EXCHANGE:SYMBOL; otherwise TradingView resolves the ticker best-effort.
ACHAT TOTAL: 49 925 titres (~596 537,88 $ US)
- Insiders
- Loughlin SuzannePatzwahl Nancy KoskeySmith Matthew James
- Total bought
-
$596,538
Avg buy (VWAP, 90d window) $12.35 vs last close —
- Total sold
-
—
Avg sell (VWAP, 90d window) —
Total sold sums Form 4 code S in this window. Codes F, M, A and G are left out.
- Last activity
- 2026-07-22
- Last synced
-
2026-10-19 21:57:14
Sign in to request a sync of this company's price history and timing levels.
Insider holdings as a share of total assets aren't available for this company.
Avg buy and avg sell are volume-weighted prices (sum of shares × price, divided by shares) for Form 4 rows in this 90-day window that report both figures. A comparison with last close is market context for that average, not advice.
Recent Form 4
Filings in the 90-day window for this company. Value is shares × price from the filing. Research, not advice.
| Date | Person | Side | Shares | Price | Value | Form 4 |
|---|---|---|---|---|---|---|
| 2026-08-06 | Vitale Michael | Buy · P | 4,834 | $12.35 | $59,700 | Form 4 |
Congressional trades
STOCK Act disclosures (90-day window)
Amounts are STOCK Act brackets as disclosed. Quorum does not turn a bracket into an exact price or a midpoint.
No STOCK Act disclosures for this company in this window.
Signal
Bullish signalScored 2026-07-29 Drivers: fundamentals. Moteurs : fondamentaux.
A meaningful insider cluster buy (~$596k across 3 insiders, aligned with Q2 results and second-step conversion) provides a credible near-term catalyst, supported by a genuine operational turnaround and improving margins…
The first sentence of the analysis written for RBKB on 2026-07-29 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.
Factor checklist — research, not advice
A check leans with a bullish reading. A cross leans against it. A dash is unavailable or mixed.
- Insider Supports a bullish reading. Open-market purchases outweigh sales
- Congress Unavailable or mixed. No purchase disclosures in the stored window
- Narrative Unavailable or mixed. Stored narrative reading is in the neutral band
- Timing Unavailable or mixed. No stored price series
- Financial indicators Unavailable or mixed. Current ratio 0.12 · operating margin 17% — readings disagree
Market snapshot
Financial ratios
| Metric | Trend | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|---|
| Gross Profit Margin | 68.2% | 47.8% | 63.3% | 85.0% | 98.8% | |
| Ebit Margin | 16.7% | -20.2% | 8.5% | 16.3% | 29.3% | |
| Ebitda Margin | 18.5% | -17.5% | 10.7% | 19.3% | 32.6% | |
| Operating Profit Margin | 16.7% | -20.2% | 8.5% | 16.3% | 29.3% | |
| Pretax Profit Margin | 16.7% | -20.2% | 8.5% | 16.3% | 29.3% | |
| Continuous Operations Profit Margin | 13.2% | -15.9% | 6.6% | 12.8% | 22.6% | |
| Net Profit Margin | 13.2% | -15.9% | 6.6% | 12.8% | 22.6% | |
| Bottom Line Profit Margin | 13.2% | -15.9% | 6.6% | 12.8% | 22.6% | |
| Current Ratio | 0.115 | 0.146 | 0.159 | 0.212 | 0.270 | |
| Quick Ratio | 0.115 | 0.146 | 0.159 | 0.212 | 0.270 | |
| Solvency Ratio | 0.010 | -0.006 | 0.005 | 0.007 | 0.011 | |
| Cash Ratio | 0.017 | 0.018 | 0.014 | 0.015 | 0.017 | |
| Price To Earnings Ratio | 9.247 | -8.650 | 14.049 | 10.031 | 7.131 | |
| Price To Earnings Growth Ratio | -0.043 | 0.029 | -0.380 | -0.256 | 0.075 | |
| Forward Price To Earnings Growth Ratio | -0.043 | 0.029 | -0.380 | -0.256 | 0.075 | |
| Price To Earnings Diluted Ratio | 9.348 | -8.650 | 14.400 | 10.188 | 7.198 | |
| Price To Earnings Diluted Growth Ratio | -0.043 | 0.029 | -0.384 | -0.257 | 0.078 | |
| Price To Book Ratio | 0.682 | 0.611 | 0.547 | 0.654 | 0.652 | |
| Price To Sales Ratio | 1.230 | 1.372 | 0.936 | 1.296 | 1.608 | |
| Price To Free Cash Flow Ratio | 8.564 | 9.695 | 9.605 | 5.173 | 13.979 | |
| Price To Operating Cash Flow Ratio | 7.944 | 8.789 | 8.817 | 4.777 | 10.738 | |
| Debt To Assets Ratio | 0.023 | 0.060 | 0.101 | 0.047 | 0.018 | |
| Debt To Equity Ratio | 0.221 | 0.615 | 1.172 | 0.581 | 0.184 | |
| Debt To Capital Ratio | 0.181 | 0.381 | 0.540 | 0.368 | 0.156 | |
| Long Term Debt To Capital Ratio | 0.173 | 0.311 | 0.540 | 0.368 | 0.156 | |
| Financial Leverage Ratio | 9.512 | 10.307 | 11.551 | 12.355 | 10.170 | |
| Working Capital Turnover Ratio | -0.082 | -0.062 | -0.075 | -0.063 | -0.065 | |
| Operating Cash Flow Ratio | 0.011 | 0.008 | 0.007 | 0.013 | 0.007 | |
| Operating Cash Flow Sales Ratio | 0.155 | 0.156 | 0.106 | 0.271 | 0.150 | |
| Free Cash Flow Operating Cash Flow Ratio | 0.928 | 0.907 | 0.918 | 0.923 | 0.768 | |
| Debt Service Coverage Ratio | 0.473 | -0.158 | 0.259 | 1.280 | 3.082 | |
| Interest Coverage Ratio | 0.564 | -0.428 | 0.247 | 1.317 | 3.497 | |
| Short Term Operating Cash Flow Coverage Ratio | 7.276 | 0.423 | 0.000 | 0.000 | 0.000 | |
| Operating Cash Flow Coverage Ratio | 0.387 | 0.113 | 0.053 | 0.235 | 0.330 | |
| Capital Expenditure Coverage Ratio | 13.815 | 10.708 | 12.194 | 13.070 | 4.313 | |
| Dividend Paid And Capex Coverage Ratio | 13.815 | 10.708 | 12.194 | 13.070 | 4.313 | |
| Dividend Payout Ratio | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | |
| Enterprise Value Multiple | 7.460 | -13.685 | 25.437 | 11.065 | 5.161 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | 68.2% | ▲20.4% | ▼-4.4% |
| Ebit Margin | 16.7% | ▲36.9% | ▲6.6% |
| Ebitda Margin | 18.5% | ▲36.0% | ▲5.8% |
| Operating Profit Margin | 16.7% | ▲36.9% | ▲6.6% |
| Pretax Profit Margin | 16.7% | ▲36.9% | ▲6.6% |
| Continuous Operations Profit Margin | 13.2% | ▲29.1% | ▲5.4% |
| Net Profit Margin | 13.2% | ▲29.1% | ▲5.4% |
| Bottom Line Profit Margin | 13.2% | ▲29.1% | ▲5.4% |
| Current Ratio | 0.116 | ▼-0.030 | ▼-0.065 |
| Quick Ratio | 0.116 | ▼-0.030 | ▼-0.065 |
| Solvency Ratio | 0.010 | ▲0.016 | ▲0.004 |
| Cash Ratio | 0.017 | ▼-0.001 | ▲0.001 |
| Price To Earnings Ratio | 9.247 | ▲17.897 | ▲2.886 |
| Price To Earnings Growth Ratio | -0.043 | ▼-0.072 | ▲0.072 |
| Forward Price To Earnings Growth Ratio | -0.043 | ▼-0.072 | ▲0.072 |
| Price To Earnings Diluted Ratio | 9.348 | ▲17.998 | ▲2.851 |
| Price To Earnings Diluted Growth Ratio | -0.043 | ▼-0.072 | ▲0.072 |
| Price To Book Ratio | 0.682 | ▲0.071 | ▲0.053 |
| Price To Sales Ratio | 1.230 | ▼-0.142 | ▼-0.058 |
| Price To Free Cash Flow Ratio | 8.564 | ▼-1.131 | ▼-0.839 |
| Price To Operating Cash Flow Ratio | 7.944 | ▼-0.845 | ▼-0.269 |
| Debt To Assets Ratio | 0.023 | ▼-0.036 | ▼-0.027 |
| Debt To Equity Ratio | 0.222 | ▼-0.394 | ▼-0.333 |
| Debt To Capital Ratio | 0.181 | ▼-0.200 | ▼-0.144 |
| Long Term Debt To Capital Ratio | 0.173 | ▼-0.137 | ▼-0.136 |
| Financial Leverage Ratio | 9.512 | ▼-0.795 | ▼-1.267 |
| Working Capital Turnover Ratio | -0.082 | ▼-0.020 | ▼-0.012 |
| Operating Cash Flow Ratio | 0.011 | ▲0.003 | ▲0.002 |
| Operating Cash Flow Sales Ratio | 0.155 | ▼-0.001 | ▼-0.013 |
| Free Cash Flow Operating Cash Flow Ratio | 0.928 | ▲0.021 | ▲0.039 |
| Debt Service Coverage Ratio | 0.473 | ▲0.631 | ▼-0.514 |
| Interest Coverage Ratio | 0.564 | ▲0.993 | ▼-0.475 |
| Short Term Operating Cash Flow Coverage Ratio | 7.276 | ▲6.852 | ▲5.736 |
| Operating Cash Flow Coverage Ratio | 0.388 | ▲0.274 | ▲0.164 |
| Capital Expenditure Coverage Ratio | 13.815 | ▲3.107 | ▲2.995 |
| Dividend Paid And Capex Coverage Ratio | 13.815 | ▲3.107 | ▲2.995 |
| Dividend Payout Ratio | 0.000 | 0.000 | 0.000 |
| Enterprise Value Multiple | 7.460 | ▲21.145 | ▲0.372 |
Key metrics
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Market cap | $93.3M | $74.4M | $62.1M | $70.7M | $82.2M | |
| Enterprise value | $104.8M | $130.2M | $180.8M | $116.7M | $85.9M | |
| EV / Sales | 1.38x | 2.40x | 2.72x | 2.14x | 1.68x | |
| EV / Op. cash flow | 8.92x | 15.37x | 25.65x | 7.89x | 11.23x | |
| EV / Free cash flow | 9.62x | 16.95x | 27.94x | 8.54x | 14.62x | |
| EV / EBITDA | 7.46x | -13.69x | 25.44x | 11.06x | 5.16x | |
| Net debt / EBITDA | 0.82x | -5.86x | 16.69x | 4.37x | 0.23x | |
| Current ratio | 0.12x | 0.15x | 0.16x | 0.21x | 0.27x | |
| Income quality | 1.17x | -0.98x | 1.60x | 2.11x | 0.66x | |
| Graham number | $16 | — | $10 | $12 | $17 | |
| Graham net-net | -$96 | -$91 | -$96 | -$91 | -$79 | |
| Tax burden | 79.2% | 78.8% | 78.3% | 78.7% | 77.1% | |
| Interest burden | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | |
| Working capital | -$972.0M | -$889.1M | -$866.8M | -$910.5M | -$819.8M | |
| Invested capital | -$956.1M | -$872.6M | -$846.8M | -$889.2M | -$797.9M | |
| Return on assets | 0.8% | -0.7% | 0.3% | 0.5% | 0.9% | |
| Operating ROA | 1.0% | -0.9% | 0.4% | 0.7% | 1.2% | |
| Return on tangible assets | 0.8% | -0.7% | 0.3% | 0.5% | 0.9% | |
| Return on equity | 7.3% | -7.1% | 3.9% | 6.5% | 9.2% | |
| Return on invested capital | 4.9% | -3.7% | 1.6% | 3.9% | 7.3% | |
| Return on capital employed | 6.3% | -5.1% | 2.0% | 4.9% | 9.5% | |
| Earnings yield | 10.8% | -11.6% | 7.1% | 9.9% | 14.1% | |
| Free cash flow yield | 11.7% | 10.3% | 10.4% | 19.3% | 7.2% | |
| Capex / Op. cash flow | 7.2% | 9.3% | 8.2% | 7.7% | 23.2% | |
| Capex / Depreciation | 62.6% | 55.6% | 38.7% | 68.4% | 107.1% | |
| Capex / Sales | 1.1% | 1.5% | 0.9% | 2.1% | 3.5% | |
| SG&A / Sales | 16.0% | 40.7% | 32.0% | 42.4% | 45.7% | |
| R&D / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Stock comp / Sales | 0.4% | 0.4% | 0.8% | 1.5% | 1.7% | |
| Intangibles / Total assets | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | |
| Days sales outstanding | 23d | 30d | 25d | 28d | 24d | |
| Days payables outstanding | 0d | 0d | 0d | 0d | 0d | |
| Operating cycle | 23d | 30d | 25d | 28d | 24d | |
| Cash conversion cycle | 23d | 30d | 25d | 28d | 24d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Change over 5 years
Employee count
Peer market caps
Recent news
- 2026-10-05 Rhinebeck Bank Opens Rye Brook Branch to Advance Westchester Expansion RYE BROOK, NY / ACCESS Newswire / October 5, 2026 / Rhinebeck Bank, the wholly owned subsidiary of Rhinebeck Bancorp, Inc. (NASDAQ:RBKB), today announced the opening of its new branch at 800 Westchester Avenue in Rye Brook, New York. The opening marks an important step in the Bank''s continued expansion into Westchester County and strengthens its ability to serve retail and commercial clients throughout the market.
- 2026-09-24 Rhinebeck Bank Expands Capital Region Commercial Banking Team with Appointment of Timothy Kensky ALBANY, NY / ACCESS Newswire / September 24, 2026 / Rhinebeck Bank, the wholly owned subsidiary of Rhinebeck Bancorp, Inc. (NASDAQ:RBKB), today announced the appointment of Timothy Kensky as Senior Vice President, Commercial Lender. Based in the Capital Region, Kensky will help advance the Bank''s strategy to expand its commercial banking presence and build new relationships with businesses throughout the market.
- 2026-09-24 RBKB vs. OBT: Which Hudson Valley Bank Stock Is the Better Buy Now? Rhinebeck Bancorp and Orange County Bancorp differ in valuation, growth drivers and financial profile, but which bank stock looks more compelling now? Let''s dive in.
- 2026-07-28 Rhinebeck Bank Appoints Travis Podolec as New Senior Vice President, Commercial Lender in Orange County NEWBURGH, NY / ACCESS Newswire / July 28, 2026 / Rhinebeck Bank, the wholly owned subsidiary of Rhinebeck Bancorp, Inc. (NASDAQ:RBKB), today announced the addition of Travis Podolec as Senior Vice President, Commercial Lender to its Orange County lending team. Podolec will help expand the Bank''s commercial banking relationships throughout the Hudson Valley and surrounding markets.
- 2026-07-28 Zacks Initiates Coverage of Rhinebeck Bancorp With Neutral Recommendation Discover why Zacks rates Rhinebeck Bancorp as "Neutral", being the first on Wall Street to initiate coverage on the stock. Explore RBKB''s improving credit quality and expanding commercial banking footprint amid a competitive lending environment and margin pressures.
- 2026-07-23 Rhinebeck Bancorp, Inc. Reports Results for the Quarter Ended June 30, 2026 and Completes Second-Step Conversion POUGHKEEPSIE, NY / ACCESS Newswire / July 23, 2026 / Rhinebeck Bancorp, Inc. (the "Company") (NASDAQ:RBKB), the holding company of Rhinebeck Bank (the "Bank"), reported net income for the three months ended June 30, 2026 of $2.6 million ($0.24 per basic and diluted share), which was $110,000, or 4.0%, lower than the comparable prior year period of $2.7 million ($0.25 per basic and diluted share). Net income for the six months ended June 30, 2026 of $4.8 million ($0.45 per basic and $0.44 per diluted share) was $182,000, or 3.6%, lower than the same period last year.
- 2026-07-21 Rhinebeck Bancorp, Inc. Announces Completion of Conversion and Offering POUGHKEEPSIE, NY / ACCESS Newswire / July 21, 2026 / Rhinebeck Bancorp, Inc. (NASDAQ Capital Market:RBKB) (the "Company"), the holding company for Rhinebeck Bank, announced that Rhinebeck Bancorp, MHC (the "MHC") has completed its "second-step" conversion from the two-tier mutual holding company structure to the fully-public stock holding company structure (the "Conversion"), and that the Company has completed its offering. As a result of the closing of the Conversion, the MHC will cease to exist.